agree
We have all kinds of people using computers nowadays, from carpenters and auto mechanics to engineeers and attorneys, with greatly varying needs as well as levels of expertise. It can be challenging for a small staff. Today for example, after the long weekend, over 50 people had to have their passwords reset after they forgot them. Of course, that's not typical, but
I know there is a lot of pressure to limit costs, but I like to equate it to the local fire department... How many firemen would you want to show up if your building caught fire, knowing that you have to pay them anyway even if there wasn't a fire?
I'd say plan for a substantial fraction of the worst case, then be glad if it doesn't happen! I mean, they wouldn't balk at paying for fire insurance would they?